Pera-Peraan

ADVICE TO ALL EMPLOYEES

1. Build a home earlier. Be it rural home or urban home. Building a house at 50 is not an achievement. Don't get used to government houses. This comfort is so dangerous. Let all your family have good time in your house.

2. Go home. Don't stick at work all the year. You are not the pillar of your department. If you drop dead today, you will be replaced immediately and operations will continue. Make your family a priority.

3. Don't chase promotions. Master your skills and be excellent at what you do. If they want to promote you, that's fine if they don't, stay positive to your personal.
development.

4. Avoid office or work gossip. Avoid things that tarnish your name or reputation. Don't join the bandwagon that backbites your bosses and colleagues. Stay away from negative gatherings that have only people as their agenda.

5. Don't ever compete with your bosses. You will burn your fingers. Don't compete with your colleagues, you will fry your brain.

6. Ensure you have a side business. Your salary will not sustain your needs in the long run.

7. Save some money. Let it be deducted automatically from your payslip.

8. Borrow a loan to invest in a business or to change a situation not to buy luxury. Buy luxury from your profit.

9. Keep your life,marriage and family private. Let them stay away from your work. This is very important.

10. Be loyal to yourself and believe in your work. Hanging around your boss will alienate you from your colleagues and your boss may finally dump you when he leaves.

11. Retire early. The best way to plan for your exit was when you received the employment letter. The other best time is today. By 40 to 50 be out.

12. Join work welfare and be an active member always. It will help you a lot when any eventuality occurs.

13.Take leave days utilize them by developing yr future home or projects..usually what you do during yr leave days is a reflection of how you'll live after retirement..If it means you spend it all holding a remote control watching series on Zee world, expect nothing different after retirement.

14. Start a project whilst still serving or working. Let your project run whilst at work and if it doesn't do well, start another one till it's running viably. When your project is viably running then retire to manage your business. Most people or pensioners fail in life because they retire to start a project instead of retiring to run a project.

15. Pension money is not for starting a project or buy a stand or build a house but it's money for your upkeep or to maintain yourself in good health. Pension money is not for paying school fees or marrying a young wife but to look after yourself.

16. Always remember, when you retire never be a case study for living a miserable life after retirement but be a role model for colleagues to think of retiring too.

17. Don't retire just because you are finished or you are now a burden to the company and just wait for your day to die. Retire young or whilst energetic to enjoy waking up for a cup of coffee, enjoy the sun, receive money from your business, visit nice place that you missed and spend good time with family. Those who retire late, spend about 95% of their time at work than with their family and that's why they see it difficult to spend time with their family when they retire but end looking for another job till they die. If they don't get another job, they die early.

18. Retire at your house than at government accommodation so that when you retire you can easily fit into the society that raised you. It's not easy to adjust to live in a location after spending more years at company house or at government house.

19. Never let your employment benefits make you forget about your retirement. Employment benefits are just meant to make you relax, get finished whilst time is moving. Remember when you retire no one will call you boss if you don't have a viable business.

20. Don't hate to retire because one day you will retire either voluntarily or involuntarily.

- Dr M. A. Chaudhary

Redirecting ...

Hi! There are 2 ways to have an improved Cash Flow...

1. DECREASE your expenses and/or
2. INCREASE your INCOME

By default, people chooses no. 1, forgetting that there’s a 2nd option and that is what we offer this coming Saturday, NOVEMBER 7, 2020

Career Preview! An opportunity to increase your Income while spreading Financial Literacy! See you!

Monday Mindset

𝘿𝙊𝙉'𝙏 𝙂𝙊 𝙀𝘼𝙎𝙔

𝘞𝘢𝘵𝘤𝘩𝘪𝘯𝘨 𝘕𝘦𝘵𝘧𝘭𝘪𝘹 everyday after work is EASY

𝘕𝘰𝘵 𝘸𝘰𝘳𝘬𝘪𝘯𝘨 on your 𝘤𝘳𝘢𝘧𝘵 to 𝘱𝘢𝘳𝘵𝘺 is EASY

𝙀𝘼𝙎𝙔 𝘥𝘰𝘦𝘴𝘯'𝘵 𝘱𝘢𝘺 𝘸𝘦𝘭𝘭, but a 𝙎𝙄𝘿𝙀 𝙃𝙐𝙎𝙏𝙇𝙀 can.

“𝐌𝐀𝐘 𝐈𝐍𝐒𝐔𝐑𝐀𝐍𝐂𝐄 𝐍𝐀 𝐀𝐊𝐎, 𝐄𝐇!"

Before you 𝘣𝘳𝘶𝘴𝘩 𝘰𝘧𝘧 that “𝘱𝘦𝘴𝘬𝘺” insurance agent, first 𝘢𝘴𝘬 𝘺𝘰𝘶𝘳𝘴𝘦𝘭𝘧: 𝘪𝘴 𝘮𝘺 𝘤𝘰𝘷𝘦𝘳𝘢𝘨𝘦 𝘦𝘯𝘰𝘶𝘨𝘩?

Does your insurance policy contains:

✅ Critical illness benefits
✅ Disability benefits not just a waiver
✅ Accidental benefits
✅ Hospitalization benefits
✅ Of course Death benefit
✅ With Investment component

𝘛𝘩𝘪𝘯𝘬 about it.

Will your 𝘧𝘢𝘮𝘪𝘭𝘺 𝘴𝘶𝘳𝘷𝘪𝘷𝘦 the 𝘗𝘩𝘱300,000 𝘱𝘳𝘰𝘤𝘦𝘦𝘥𝘴 of your 𝘤𝘶𝘳𝘳𝘦𝘯𝘵 life insurance policy? Or baka 𝘱𝘢𝘯𝘨𝘣𝘢𝘺𝘢𝘥 pa lang ng 𝘩𝘰𝘴𝘱𝘪𝘵𝘢𝘭 𝘣𝘪𝘭𝘭𝘴, ubos na?

LIFE INSURANCE IS NOT A ONE AND DONE DEAL.

It 𝘳𝘦𝘲𝘶𝘪𝘳𝘦𝘴 𝙘𝙤𝙣𝙨𝙩𝙖𝙣𝙩 𝙧𝙚𝙫𝙞𝙚𝙬 and 𝙧𝙚𝙘𝙖𝙡𝙞𝙗𝙧𝙖𝙩𝙞𝙤𝙣. As your 𝘪𝘯𝘤𝘰𝘮𝘦 𝘨𝘳𝘰𝘸𝘴, so should your life insurance 𝘤𝘰𝘷𝘦𝘳.

We can review your policy and give you a tailor fit plan at your affordable budget.

Uncertainty is the most stressful feeling one should deal in our lifetime. Our life is full of surprises. But not all are of pleasant surprises, so better be ready for what life brings you.

Friend, you have questions feel free to message me so that I can share with you how life insurance and investments works.

No worries. no commitment on all of your queries

©️TokwaFrappe

Blessed Sunday

💡TRIVIA:

Did you know that 99% of Warren Buffet's 𝘸𝘦𝘢𝘭𝘵𝘩 was made after he turned 50?

As 𝘈𝘭𝘣𝘦𝘳𝘵 𝘌𝘪𝘯𝘴𝘵𝘦𝘪𝘯 once said, “𝘊𝘰𝘮𝘱𝘰𝘶𝘯𝘥 𝘐𝘯𝘵𝘦𝘳𝘦𝘴𝘵 is the 𝘦𝘪𝘨𝘩𝘵 (8) 𝘸𝘰𝘯𝘥𝘦𝘳 of the 𝘸𝘰𝘳𝘭𝘥. He who 𝘶𝘯𝘥𝘦𝘳𝘴𝘵𝘢𝘯𝘥𝘴 it, 𝘦𝘢𝘳𝘯𝘴 it … he who doesn't … 𝘱𝘢𝘺𝘴 it.”

This is a perfect example of how compounding interest works. 𝘞𝘢𝘳𝘳𝘦𝘯 𝘉𝘶𝘧𝘧𝘦𝘵, the 𝘣𝘦𝘴𝘵 𝘪𝘯𝘷𝘦𝘴𝘵𝘰𝘳 of 𝘢𝘭𝘭 𝘵𝘪𝘮𝘦 is worth almost $90 𝘉𝘐𝘓𝘓𝘐𝘖𝘕. It took him over 50 years to 𝘢𝘤𝘤𝘶𝘮𝘶𝘭𝘢𝘵𝘦 his 𝘧𝘪𝘳𝘴𝘵 𝘣𝘪𝘭𝘭𝘪𝘰𝘯...but less than 40 years to 𝘦𝘢𝘳𝘯 the other 80+ billion.

That is the 𝙋𝙤𝙬𝙚𝙧 𝙤𝙛 𝘾𝙤𝙢𝙥𝙤𝙪𝙣𝙙𝙞𝙣𝙜 𝙄𝙣𝙩𝙚𝙧𝙚𝙨𝙩!